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> Where I live the banks all require that you install their own smartphone app in order to confirm transactions. Same here in the Baltics, something like Smart
by KronisLV 3y ago
> Where I live the banks all require that you install their own smartphone app in order to confirm transactions.
Same here in the Baltics, something like SmartID is prevalent and all major banks ask you to use it: https://www.smart-id.com/ https://www.smart-id.com/
Sometimes it's even integrated with document e-signing, to the point where it's hard to say where convenience ends and dependence begins (since something like TOTP or PGP aren't offered as alternatives).
- vladvasiliu 3y agoAfter a quick glance over the site, it seems the system is fairly open, and they explain how they use the keys. The part on which I'm not clear is the app: is it not possible to build your own app that complies with their various interfaces, which would run on, say, a PC? Those seem to be documented.
- TeMPOraL 3y agoI doubt the bank will let me run an alternative app to their "tap 'yes' and type in your mobile PIN within the next 3 minutes to confirm the operation" functionality. Hell, after I broke my phone, I had to call the bank's support for them to manually authorize the new instance of their app as an "authorization tool". If there are procedures to do this with third-party software, I haven't heard or seen them mentioned anywhere, much less documented.
- vladvasiliu 3y agoI was talking about the smart-id scheme, which seems to be a "generic" thing, to be used by random different things. For banks, I don't think that they'll allow use of 3rd party apps, either.